Planned healthcare abroad
Planned healthcare is not the same as urgent healthcare abroad, as it is oftentimes expected before you leave the Netherlands. We can (partially) cover these costs from your basic insurance. We want to avoid the situation where you are unexpectedly faced with costs we do not reimburse.
Planned healthcare in Belgium or Germany
Do you prefer seeing a medical specialist in Belgium or Germany? We have made agreements about healthcare quality and costs with a considerable number of hospitals in both countries. We will cover the costs according to your Dutch insurance conditions, exclusions and the agreed rates.
Planned healthcare in other countries
In all other countries we do not have contracted healthcare providers. If you want to make use of planned healthcare abroad we may not cover the costs in full, depending on your type of basic insurance.
You are only insured for costs that are covered when receiving the same treatment in the Netherlands. We will not cover costs in excess of the average agreed rates applicable in the Netherlands. Depending on your policy we reimburse a percentage of the average agreed rates we have with contracted healthcare providers. You will pay your This is the amount you have to pay yourself before you start receiving reimbursement for healthcare. There are two kinds of deductible in the Netherlands — compulsory and voluntary — and the compulsory deductible is set by the government. In 2021, the compulsory deductible is €385. On top of the compulsory deductible, you can also opt for a voluntary deductible of up to €500. The deductible only applies to reimbursements under the general insurance policy.
Request the reimbursement
It is important to request the reimbursement with us beforehand, so you know what costs to expect. You can do this with the help of this form. We will inform you about the possibilities of reimbursement within 10 business days.
Are visiting a medical specialist? Always arrange a referral from your general practitioner or another doctor first.
Please note: The costs for certain treatments can be much higher than in the Netherlands. Always check this beforehand, to prevent any unpleasant surprises.